Cheapest SR-22 insurance in Vermont

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Nationwide offers the cheapest SR-22 insurance in Vermont at $845 per year. State Farm is another affordable option at $903 per year. What you pay will depend on your driving record, your location, and the insurer you choose.

SR-22 isn’t an insurance policy on its own. It’s a form your insurer files with the state to show you have the minimum required coverage, commonly needed after a DUI, reckless driving, or a lapse in insurance. Drivers who need an SR-22 are treated as higher risk, so premiums are usually higher than average.

The SR-22 filing period lasts around three years, though your state and the specifics of your violation will determine the exact timeline. Expect your rates to go up right away, but consistent clean driving from here on out is what will gradually bring them back down. While you’re in that window, comparing quotes across insurers can help make sure you’re getting the best rate available to you.

How to keep your costs down during your SR-22 period

Compare at least three quotes before deciding. An SR-22 will raise your rate, but insurers handle the increase differently – your first quote is rarely your best option.
Ask how long the surcharge lasts. One insurer might reduce your rate after three years while another holds it for five. The duration can matter more than the starting price.
Keep your record clean. Avoiding new violations is the most reliable way to bring your rate down over time.
Don’t let your policy lapse. Any gap in coverage while your SR-22 is active can reset the filing period and signal an even bigger red flag to insurers.
Confirm your insurer filed the form. Don’t assume it was submitted – verify directly with your state that the SR-22 is on file.

What is an SR-22?

An SR-22 is a document your insurance company files with the state to show you have the minimum coverage required to legally drive. It’s typically required after violations like a DUI, DWI, reckless driving, or driving without insurance.

An SR-22 isn’t an insurance policy – it’s a form your insurer submits to the state confirming you meet the minimum coverage requirements. Because needing one flags you as a higher-risk driver, you can expect your premiums to rise, and some insurers may decline to cover you altogether.

How does SR-22 insurance work in Vermont?

SR-22 insurance in Vermont costs an average of $1,140 per year
Nationwide offers the cheapest SR-22 coverage in Vermont at $845 annually
An SR-22 is a state-required filing that proves you carry minimum car insurance coverage

When do you need an SR-22 in Vermont?

You may need an SR-22 in Vermont after serious driving violations such as a DUI, reckless driving, driving without insurance or accumulating too many points on your license.

The specific offenses that require one vary by state, but these are the most common:

DUI, DWI or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

What happens if you don’t maintain SR-22 coverage?

Most drivers need to keep an SR-22 on file for about three years, depending on state requirements and the reason for the filing. During that time, your insurance coverage must remain active without any lapses.

If your policy is canceled or expires, your insurer will notify the DMV. From there, expect a suspended license and registration, reinstatement fees, and a new SR-22 filing. In many states, the three-year clock restarts from zero, so a lapse halfway through can cost you another full three years of filings. Worse, a coverage gap brands you an even higher risk, which means steeper premiums when you re-insure and a real chance some insurers won’t cover you at all.

How much does SR-22 insurance cost in Vermont?

Drivers in Vermont pay an average of $1,140 per year for SR-22 insurance. That’s $125 more than New Hampshire, the cheapest state for SR-22 coverage, and $2,901 less than Michigan, the most expensive.

Your rate will vary based on the violation behind the SR-22, your driving history and your ZIP code.

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Cheapest SR-22 insurance companies in Vermont

Nationwide offers the cheapest SR-22 insurance in Vermont at $845 per year. While SR-22 insurance is usually more expensive than standard coverage, rates can vary significantly between insurers.

The companies below offer some of the cheapest SR-22 insurance rates in Vermont.

Company	Average annual premium	Average monthly premium
Nationwide	$845	$70
State Farm	$903	$75
American Family	$915	$76
GEICO	$916	$76
Auto-Owners	$919	$77
Allstate	$1,732	$144
Progressive	$2,119	$177
USAA*	$770	$64

*USAA is only available to military community members and their families.

Which cities have the cheapest SR-22 insurance in Vermont?

Your city or ZIP code can have a considerable amount of impact on your SR-22 rate. Here’s how costs break down across major cities in Vermont.

City	Average annual premium
Alburgh	$827
Derby	$828
Barre	$837
Montpelier	$837
Burlington	$839
South Burlington	$839
Perkinsville	$845
Rutland	$856
Vergennes	$856
Jeffersonville	$857

Will my SR-22 costs go down over time?

As your SR-22 requirement ends, you will see an improvement in your rates but they won;t go back to your how low they were before the violation
The underlying violation can stay on the record for 3 to 5 years, but a DUI is likely to stay on your record for much longer
Maintain a clean driving record and compare insurers at renewal period so that you can the best rate possible

What are the minimum SR-22 insurance requirements in Vermont?

The Vermont DMV mandates all drivers in Vermont to have the following minimum car insurance coverage:

$25,000 for injury or death per person
$50,000 for injury or death per accident
$10,000 for property damage per accident

State minimum coverage keeps you legal on the road, but it may not be enough to fully protect you in a costly at-fault accident. Higher coverage means a higher premium, but it also means you’re not paying out of pocket for damages that exceed your limits.

How much does SR-22 in Vermont cost with a DUI?

A DUI generally leads to a significant jump in SR-22 premiums, though the exact increase depends on your insurer. The table below shows annual SR-22 rates for drivers with a DUI in Vermont.

This table shows two different costs:

SR-22 with one DUI – the estimated annual cost if your SR-22 filing is the result of a DUI conviction, factoring in the rate increase insurers apply after a DUI.
SR-22 filing only – your standard premium plus the SR-22 filing fee, with no DUI on record. If your filing is tied to a different violation, this column gives you a better estimate of what the SR-22 itself adds to your cost.

Company	SR-22 with 1 DUI	SR-22 Filing only
State Farm	$983	$903
Auto-Owners	$1,533	$919
Nationwide	$1,551	$845
American Family	$1,945	$915
Allstate	$2,240	$1,732
Progressive	$2,288	$2,119
GEICO	$2,479	$916
USAA*	$1,565	$770

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Vermont

The SR-22 form itself only costs a small one-time filing fee, usually around $25 to $50. What actually drives up your bill is the high-risk premium that comes with needing one. That’s the part you can lower, by comparing quotes, improving your driving record, and choosing the right coverage. Rates for high-risk drivers vary widely from one insurer to the next, so shopping around can make a real difference in what you pay.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Compare insurers that specialize in high-risk drivers

Some insurers specialize in high-risk drivers and may offer much lower SR-22 rates than standard carriers. Getting quotes from multiple companies is often the fastest way to save.

Can you get an SR-22 without owning a car?

If you need an SR-22 but don’t own a vehicle, non-owner SR-22 insurance lets you meet the requirement. It covers the minimum liability needed when you’re behind the wheel of someone else’s car and can help you reinstate your license after violations like a DUI or repeated traffic offenses. Since there’s no vehicle attached to the policy, it tends to cost less than a standard auto policy.

This situation comes up more often than people expect. Many drivers need to show proof of insurance to get their license reinstated after a violation, even when they don’t own a car. Non-owner SR-22 insurance exists precisely for that scenario.

Is SR-22 insurance expensive in Vermont?

An SR-22 requirement signals to insurers that you’ve had a serious violation. That can be a DUI, reckless driving, or a coverage lapse. Once your violation is on your record, your premiums will reflect it. Even so, rates differ more than you’d expect between insurers, and comparing quotes can go a long way toward keeping costs manageable.

A few other ways to lower what you pay are:

Cut your mileage where you can. Using public transport or carpooling may qualify you for pay-per-mile or low-mileage discounts.
Make use of every discount you’re eligible for. Bundling policies, signing up for autopay, and taking a defensive driving course are all simple ways to reduce your rate.
Keep your record clean going forward. Nothing is more important than maintaining a clean record if you want to lower your rate. A DUI can stay on your record for up to 10 years in many states, but steady, clean driving during that period is what will bring your premiums down over time.

Frequently asked questions

Can you get SR-22 insurance without owning a car?

Yes. Non-owner SR-22 insurance is available for drivers who don’t own a vehicle but still need to meet state insurance requirements. It provides liability coverage when driving someone else’s car and is usually cheaper than a standard policy.

What happens if your SR-22 insurance lapses?

If your SR-22 coverage lapses or your policy is canceled, your insurance company will notify the state DMV. This can lead to penalties such as license suspension, reinstatement fees or an extension of your SR-22 requirement period.

Can you switch insurance companies while you have an SR-22?

Yes, you can change insurers while maintaining an SR-22. However, your new insurance company must file a new SR-22 with the state before your old policy is canceled to avoid a lapse in coverage.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Vermont.” Accessed June 2026.
Progressive Insurance. “What is an SR-22?” Accessed June 2026.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.